This paper highlights the stages of Romania’s adherence to the European Banking Union (EBU). Although the initial estimated adherence schedule conceived by the National Bank of Romania, the Ministry of Public Finances, The Bank Deposits’ Guarantee Fund and the Authority for Financial Supervision was not respected, the transposition into national law of the relevant European legal dispositions having been delayed, at present they do...

The present paper analysis the regulations through which the National Bank of Romania proved its concern in creating the framework for the credit institutions to develop responsible lending strategies, particularly as far as the foreign currency loans granted to individual persons are concerned, with regard to non-hedged currency risk.